DARMANSYAH, D.; NUGROHO, A.; ZULKIFLI, Z.; WULANDARI, W.; SARI, R. The Integration of Fintech and Artificial Intelligence: Accelerating Accountability and Financial Inclusion in National Financial Governance. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, [S. l.], v. 7, n. 5, p. 3864–3879, 2026. DOI: 10.47467/elmal.v7i5.11933. Disponível em: https://journal-laaroiba.com/ojs/index.php/elmal/article/view/11933. Acesso em: 4 may. 2026.